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Credit Cards · India

IndusInd Bank Pinnacle World Credit Card

Updated 5 Jul 2026Source-linked

The IndusInd Bank Pinnacle World Credit Card is a super premium credit card from IndusInd Bank, with a joining fee of ₹12,999 + GST.

It earns up to 5 pts per ₹100 (≈3.8% value) on travel dining spends in the form of reward points (points).

Cardholders get unlimited annual domestic + 16 annual international airport lounge access, plus montblanc pen + 2 pinnacle moments vouchers as a welcome benefit.

IndusInd Bank logo
IndusInd Bank Pinnacle World Credit Card
Mastercard logo
  • Joining Fee₹14,999
  • Annual Fee₹12,999
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 5 pts per ₹100 on travel dining
  • Base 1.88% on other spends
Welcome Benefits
  • Montblanc pen + 2 Pinnacle moments vouchers
Data verified 5 Jul 2026 — see our methodology
IndusInd Bank logoIndusIndMastercard logoworldsuper premium
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on travel dining
Base 1.88% on other spends.
Reward Redemption
IndusMoments: Redeem at ₹0.25 per unit.
Welcome Benefits
Montblanc pen + 2 Pinnacle moments vouchers
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
16 visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
1 round(s) / monthly · 1 lesson(s).
Insurance Benefits
  • air accident: ₹20,00,00,000
  • travel medical: ₹75,00,000
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹300/mo

    You spend ₹8,000 · earns 3.8% = ₹300 uncapped

    • Valued at realized redemption value
  • Travel & hotels₹375/mo

    You spend ₹10,000 · earns 3.8% = ₹375 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.9% = ₹281/mo
  • Groceries₹8,000 · 1.9% = ₹150/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 1.9% = ₹94/mo
Est.net rewards for this spend, realistic
₹1,401/yr

₹14,400 rewards − ₹12,999 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.80%
Interest Rates
3.83% per month (46.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • super premium card issued by IndusInd Bank.
  • Joining / annual fee of ₹12,999 + GST.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (unlimited/annual) + international (16/annual).
  • Insurance cover bundled: air accident, travel medical.

Pros & Cons

Pros
  • Strong base reward rate of 1.88%.
  • Low forex markup of 1.80% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Accelerated earn worth ≈3.8% on travel dining.
Cons
  • High annual fee of ₹12,999.
  • No annual-fee waiver option.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹15,000 welcome benefit

  • Montblanc pen + 2 Pinnacle moments vouchers
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 5 pts per ₹100 on travel dining

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
Unlimited visit(s) / annual. Via mastercard, dreamfolks.
International
16 visit(s) / annual. Via priority-pass.

Insurance benefits

  • air accident: ₹20,00,00,000
  • travel medical: ₹75,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
780+
Income (salaried)
₹24,00,000 p.a.
Income (self-employed)
₹24,00,000 p.a.
Tagssuper premiumtravelpointslow forex